Travel insurance covers a cancelled flight when the cause is on your policy's list
Jeremy CabralGrowth advisor Checked
Usually yes, for weather and airline faults, as long as the cause is named in your policy and any waiting period has passed. The airline's refund comes first and insurance pays what is left. Air traffic control and government system failures are where wordings split, and the table below shows each one.
The FAA ordered the nationwide ground stop at 3:54pm ET on Friday 13 November 2026 and lifted it at 8:15pm ET, 4 hours 21 minutes later1. Trackers counted 9,159 cancelled flights that day2.
The cause of the cancellation decides the answer
Two things decide a claim: whether the cause is on your policy's list and whether the delay passed the waiting period. The airline's refund always comes first. Under US rules a cancelled flight is refunded in full when you choose not to travel, with no exception for the cause.3
| Cause | Usual answer | What decides it |
|---|---|---|
| Weather | Covered by most standard policies | Severe weather is a named cause in the closed lists we read, including Generali's, whose interruption and missed connection cover needs a mechanical breakdown or adverse weather.4 US airlines refund the fare for a cancelled flight whatever the cause, but airline plans such as American's pay no hotel or meals for weather.5 |
| Airline fault (mechanical, crew, IT) | Covered by most policies, and the airline owes you more | A carrier delay or breakdown is on almost every list. Cards name it too: Chase and Capital One list equipment failure, while American Express and Bilt need the carrier's own equipment failure, documented by the carrier.6 When the airline caused it, its own customer service plan may cover a hotel and meals, so claim those from the airline first.7 |
| Strike | Often covered when the strike was not announced before you bought | Strikes are a named cause in closed lists such as Admiral's standard UK cover, and Cover-More Australia keeps strikes covered even inside its exclusion for cancellations caused by the airline.8 |
| Air traffic control or government system failure | Depends on the wording | This is the 13 November 2026 case. Open wordings that cover any carrier delay respond once the waiting period passes. Closed lists that leave it out, and wordings with an exclusion for government orders, do not. Of the 126 positions on the live site's cover table, 28 pay, 65 depend on the reading and 33 do not.9 |
| Your own reasons (you change your mind) | Only with Cancel For Any Reason cover | Standard trip cancellation needs a listed reason. Cancel For Any Reason upgrades repay 50% to 75% of insured costs and must usually be bought 10 to 21 days after first deposit.10 |
How 174 policy wordings treat an air traffic control or government failure
Each row is a policy, card guide or checkout cover read for the claim tool. "Yes" means the wording names the cause or covers any carrier delay with no government or cyber exclusion in the way. "Depends" means the answer turns on how the insurer reads a clause. "No" means the cause is missing from a closed list or excluded. Across these 174 records, 28 say yes, 116 depend and 30 say no.
The live site's summary cover table counts 126 positions (28 pay, 65 depend, 33 do not). This table is longer because it lists each product read for claims.
| Insurer or card | Market | Type | Pays for an ATC or government failure? | What the wording says | Source |
|---|---|---|---|---|---|
| Allianz Global Assistance (Allianz Travel Insurance)OneTrip (Basic, Prime, Premier, Cancellation Plus, Emergency Medical) and AllTrips plans | United States | insurer | Depends | Named covered reasons. The first is a delay by the travel carrier, with no cause attached, so a flight held or delayed by the FAA ground stop fits the carrier delay reason once the plan's minimum hours are met.Wording: "A travel carrier delay" (covered reasons guide); "Your departure is delayed by a common carrier" (Missouri certificate)Clause: Travel delay coverage, 'When it applies', Section 2 of Form 101-P-MO-02-301 | Policy wordingread, 15 November 2026 |
| AIG Travel Guard (Travel Guard)Preferred and Deluxe | United States | insurer | Depends | Named unforeseen events. One of them is a common carrier delay with no cause attached, so a flight delayed by the FAA ground stop fits provided the trip was delayed 5 or more consecutive hours and the airline documents the cause and duration.Wording: "Common Carrier delay"Clause: TRIP DELAY, item (g), Section III Coverages | Policy wordingread, 15 November 2026 |
| AIG Travel Guard (Travel Guard)Essential | United States | insurer | Depends | Named events including a common carrier delay with no cause attached, plus strike and inclement weather. A ground stop delay fits the carrier delay reason, but the policy read needs 12 consecutive hours of delay, which most 13 November flights will miss.Wording: "Common Carrier delay"Clause: TRIP DELAY, item (g) | Policy wordingread, 15 November 2026 |
| Generali Global AssistanceStandard, Preferred and Premium | United States | insurer | Depends | Named causes. The first is delay of a common carrier with no cause attached, so a ground stop delay fits Travel Delay once the plan's hours are met.Wording: "delay of a Common Carrier"Clause: TRAVEL DELAY COVERAGE, item a, form T001BR12.01NW (05/11) | Policy wordingread, 15 November 2026 |
| Travelex Insurance ServicesUltimate and Advantage (Essential and Travel Med Go from web pages only) | United States | insurer | Depends | Named causes for Travel Delay. The first is a common carrier delay with no cause attached, so a ground stop delay fits once 5 consecutive hours are met.Wording: "Common Carrier delay"; "a Federal Aviation Administration (FAA) mandate"Clause: TRAVEL DELAY BENEFIT, item a | Policy wordingread, 15 November 2026 |
| Berkshire Hathaway Travel ProtectionExactCare (also LuxuryCare; reimbursement Trip Delay) | United States | insurer | Depends | Named unforeseen events. One is a common carrier delay with no cause attached, so a ground stop delay fits once the trip is delayed 5 consecutive hours and the delay stops the traveller reaching the destination.Wording: "Common Carrier delay"Clause: TRIP DELAY, item (a) | Policy wordingread, 15 November 2026 |
| Berkshire Hathaway Travel ProtectionExactCare Extra and AirCare (fixed flight delay payments) | United States | insurer | Yes | The fixed Flight Departure Delay rider pays for any delay of the insured's flight beyond 120 minutes, with no list of causes, so a ground stop delay qualifies. Proof of loss still asks for airline or US Department of Transportation documentation of the delay and its reason.Wording: "result of a delay of the Insured's flight"Clause: FLIGHT DEPARTURE DELAY rider PG-TA-RIDE-FDD-IN-2/2016 | Policy wordingread, 15 November 2026 |
| World Nomads (US residents)Standard, Explorer, Epic and Annual plans | United States | insurer | Depends | The web page lists unforeseen covered reasons, led by a delay of the common carrier with no cause attached, so a ground stop delay of 6 consecutive hours or more can fit. Only reasons listed in the plan documents count, and the benefit is secondary: the traveller must first seek compensation from the airline and show what it offered.Wording: "A delay of your common carrier (including inclement weather)" | Policy wordingread, 15 November 2026 |
| FayeFaye First and Faye Flagship (United States Fire Insurance Company plans) | United States | insurer | Depends | Named unforeseen reasons. One is a common carrier delay with no cause attached, provided the carrier documents the delay, so a ground stop delay of 6 consecutive hours or more fits.Wording: "Common Carrier delay. (the delay must be documented by a Common Carrier)"Clause: Trip Delay, reason 2 | Policy wordingread, 15 November 2026 |
| FayeFaye Travel Protection Domestic and International plans (Great American Insurance Company) | United States | insurer | Depends | Named unforeseen events. One is a common carrier delay with no cause attached, so a ground stop delay of 6 consecutive hours or more fits.Wording: "common carrier" delayClause: Section VII Trip Delay, item b | Policy wordingread, 15 November 2026 |
| Seven CornersTrip Protection Basic and Trip Protection Choice | United States | insurer | Depends | Named unforeseen reasons. One is a common carrier delay with no cause attached, provided the carrier documents it, so a ground stop delay of 6 consecutive hours or more fits.Wording: "Common Carrier delay (the delay must be documented by the Common Carrier)"Clause: TRIP DELAY, reason 2 | Policy wordingread, 15 November 2026 |
| Trawick InternationalSafe Travels AnyReason, Pathway plans and older Safe Travels single trip plans | United States | insurer | Depends | Open wording. The certificate pays when a traveller is delayed en route for 12 or more hours by a defined Hazard, and the first Hazard is any delay of a common carrier.Wording: Any delay of a Common CarrierClause: Definitions, Hazard (a) | Policy wordingread, 15 November 2026 |
| IMG (International Medical Group)iTravelInsured Travel LX and Travel SE | United States | insurer | Depends | Travel delay wording is open on LX: any officially documented delay of the common carrier counts. SE lists common carrier delay documented by the carrier.Wording: any officially documented delay of Your Common CarrierClause: Travel Delay, covered Travel Delay event (a) (LX sample policy) | Policy wordingread, 15 November 2026 |
| NationwideTravel Prime, Travel Essential and Cruise Choice | United States | insurer | Depends | Open wording. Trip delay pays when the traveller is delayed en route for 6 or more hours by a defined Hazard, and Hazard includes any delay of a common carrier.Wording: Any delay of a Common Carrier (including Inclement Weather)Clause: Definitions, Hazard (a) | Policy wordingread, 15 November 2026 |
| AXA Assistance USASilver, Gold and Platinum (legacy plans); current site sells Explorer plans | United States | insurer | Depends | Open wording with a long wait. Trip delay pays after 12 or more hours of delay due to a defined Hazard, and Hazard includes any delay of a common carrier.Wording: Any delay of a Common Carrier (including Inclement Weather)Clause: Definitions, Hazard a) | Policy wordingread, 15 November 2026 |
| Travel Insured InternationalWorldwide Trip Protector Platinum, Deluxe and Essential | United States | insurer | Depends | Named list that includes common carrier delay without limiting the cause, provided the carrier documents it. An optional flight bundle adds cancellation and interruption cover for a mandated shutdown of an airport or air traffic control system, or an air traffic control shutdown from fire or power outage, of at least 12 consecutive hours.Wording: Common Carrier delay. (the delay must be documented by a Common Carrier)Clause: Trip Delay, covered Unforeseen reason 2 (T7000IP) | Policy wordingread, 15 November 2026 |
| Tin LegEconomy, Standard, Luxury, Adventure, Silver, Gold, Basic, Platinum, Cruise | United States | insurer | Depends | Varies by underwriter. Luxury (Berkshire Hathaway) and Platinum (Spinnaker) list common carrier delay as a stand-alone reason with no cause test.Wording: Common Carrier delayClause: Trip Delay (a) (Tin Leg Luxury policy) | Policy wordingread, 15 November 2026 |
| battlefaceDiscovery Plan (US) | United States | insurer | Depends | Named list that includes common carrier delay with no cause test. The delay must be at least 6 consecutive hours and stop the traveller reaching the intended destination.Wording: Common carrier delayClause: Trip Delay b. (Discovery Plan BISDCV-DIR-02) | Policy wordingread, 15 November 2026 |
| Cover-More US (Zurich Cover-More)Zurich-underwritten travel protection plans | United States | insurer | Depends | Cover-More's FAQ for the November 2025 FAA flight reductions treats an FAA directive as an FAA mandate. Cancellation and interruption may apply to common carrier delays or cancellations from that mandate once the 12 hour arrival test is met, travel delay may pay once the policy's delay period has passed, and missed connection does not respond because it needs a traffic accident, mechanical breakdown or adverse weather.Wording: as a result of an FAA mandateClause: FAA Mandate FAQ, first question (covermore.com/FAA-Mandate) | Policy wordingread, 15 November 2026 |
| American AirlinesTrip insurance sold at aa.com checkout (Allianz Travel Insurance) | United States | checkout add-on | Depends | The plan wording for this checkout product is emailed at purchase and was not published on the pages read, so the delay clause could not be checked. The existing dataset records Allianz US retail plans as listing a travel carrier delay as a covered reason without naming air traffic control. | Policy wordingread, 15 November 2026 |
| Delta Air LinesDelta Trip Protection (Allianz Travel Insurance) | United States | checkout add-on | Depends | The plan wording for this checkout product is emailed at purchase and was not published on the pages read, so the delay clause could not be checked. The existing dataset records Allianz US retail plans as listing a travel carrier delay as a covered reason without naming air traffic control. | Policy wordingread, 15 November 2026 |
| United AirlinesTravel Guard Air Ticket Protection (Domestic and International Air Ticket Plan) | United States | checkout add-on | Depends | Named list that includes common carrier delay with no cause test. The delay must prevent the traveller reaching the intended destination.Wording: Common Carrier delayClause: Trip Delay (g), Domestic Air Ticket Plan policy | Policy wordingread, 15 November 2026 |
| Southwest AirlinesTravel Guard Domestic and International Air Ticket Plan | United States | checkout add-on | Depends | Same Travel Guard air ticket wording as the United plan: a named list that includes common carrier delay with no cause test, where the delay prevents the traveller reaching the destination.Wording: Common Carrier delayClause: Trip Delay (g), Domestic Air Ticket Plan policy | Policy wordingread, 15 November 2026 |
| JetBlueAllianz Travel Protection (JetBlue and JetBlue Vacations) | United States | checkout add-on | Depends | The plan wording for this checkout product is emailed at purchase and was not published on the pages read, so the delay clause could not be checked. The existing dataset records Allianz US retail plans as listing a travel carrier delay as a covered reason without naming air traffic control. | Policy wordingread, 15 November 2026 |
| Alaska AirlinesAllianz Travel protection sold at alaskaair.com | United States | checkout add-on | Depends | The plan wording for this checkout product is emailed at purchase and was not published on the pages read, so the delay clause could not be checked. The existing dataset records Allianz US retail plans as listing a travel carrier delay as a covered reason without naming air traffic control. | Policy wordingread, 15 November 2026 |
| Spirit AirlinesTravel Guard plan sold with Spirit bookings | United States | checkout add-on | Depends | No Spirit plan document was read, so the delay wording is unconfirmed. | Policy wordingread, 15 November 2026 |
| Frontier AirlinesTravel Guard travel insurance sold at flyfrontier.com | United States | checkout add-on | Depends | No Frontier plan document was found, so the delay wording is unconfirmed. | Policy wordingread, 15 November 2026 |
| Expedia (and Expedia Group brands)Travel Guard travel protection sold at checkout | United States | checkout add-on | Depends | No Expedia plan document could be opened without a policy number, so the delay wording is unconfirmed. | Policy wordingread, 15 November 2026 |
| PricelineXCover Travel Protection (Domestic Air Protection and related plans) | United States | checkout add-on | Depends | Open wording with a long wait. Trip delay pays after 12 or more hours of delay due to a defined Hazard, and Hazard includes any delay of a common carrier.Wording: Any delay of a Common Carrier (including Inclement Weather)Clause: Definitions, Hazard a) | Policy wordingread, 15 November 2026 |
| Booking.com (US)Travel insurance offered with flights | United States | checkout add-on | Depends | Partner and wording could not be confirmed on an official page. | Policy wordingunverified, 15 November 2026 |
| HopperPremium Disruption Assistance | United States | checkout add-on | Depends | The disruption must be due to a reason outside the traveller's control. Eligible reasons are an open list that names airline issues, customs issues and weather, and Hopper decides eligibility at its sole discretion.Wording: at the sole discretion of HopperClause: Premium Disruption Assistance terms, section 2 Eligible Reasons for a Disruption | Policy wordingread, 15 November 2026 |
| Chase TravelNo checkout insurance add-on confirmed | United States | checkout add-on | Depends | No add-on found on official Chase pages, so there is no wording to assess. | No public wordingunverified, 15 November 2026 |
| Capital One TravelFlight disruption assistance (formerly Rapid Rebooking) | United States | checkout add-on | Depends | The delay, cancellation or missed connection must be due to an eligible reason. The list is open and names airline issues, customs issues and weather, with eligibility decided at Capital One Travel's discretion.Wording: at the discretion of Capital One TravelClause: Terms of service, Flight Disruption Assistance, Eligible Reasons for Missing Your Flight or for Delay or Cancellation | Policy wordingread, 15 November 2026 |
| ChaseSapphire Reserve (Visa Infinite), Trip Delay Reimbursement | United States | card | Depends | Named causes only. The guide does not say whose equipment must fail, and it never mentions air traffic control, the FAA or government systems.Wording: equipment failure, inclement weather, strike, or hijacking/skyjackingClause: Trip Delay Reimbursement, What's Covered? (form TD_CON_6 HRS_$500_20240311) | Policy wordingread, 15 November 2026 |
| ChaseSapphire Preferred (Visa Signature), Trip Delay Reimbursement | United States | card | No | Same four named causes as the Reserve. No mention of air traffic control or government systems.Wording: equipment failure, inclement weather, strike, or hijacking/skyjackingClause: Trip Delay Reimbursement, What's Covered? | Policy wordingread, 15 November 2026 |
| ChaseOther Chase cards with trip delay (example read: The Ritz-Carlton Credit Card, Visa… | United States | card | Depends | Same four named causes as the Sapphire cards.Wording: equipment failure, inclement weather, strike, or hijacking/skyjackingClause: Trip Delay Reimbursement, What's Covered? | Policy wordingread, 15 November 2026 |
| American Express (US)Trip Delay Insurance, US$500 and 6 hour version (Platinum-tier cards) | United States | card | No | Four named causes: inclement weather, terrorist action or hijacking, the common carrier's own equipment failure as documented by the carrier, and lost or stolen passports or travel documents. FAA equipment belongs to the government, so the clause does not fit on its face.Wording: A Common Carrier's equipment failure, as documented by the Common CarrierClause: Evidence of Coverage, B. Covered Losses, item 3 | Policy wordingread, 15 November 2026 |
| American Express (US)Trip Delay Insurance, US$300 and 12 hour version (other eligible Amex cards) | United States | card | No | Four named causes: inclement weather, terrorist action or hijacking, the common carrier's own equipment failure as documented by the carrier, and lost or stolen passports or travel documents. FAA equipment belongs to the government, so the clause does not fit on its face.Wording: A Common Carrier's equipment failure, as documented by the Common CarrierClause: Evidence of Coverage, B. Covered Losses, item 3 | Policy wordingread, 15 November 2026 |
| Capital OneVenture X (Visa Infinite), Trip Delay Reimbursement | United States | card | Depends | Delay must be due to a defined Covered Hazard. The definition does not say whose equipment, and does not mention air traffic control or government systems.Wording: Covered Hazards means equipment failure, inclement weather, strike and hijacking/skyjackingClause: Trip Delay Reimbursement, Definitions (form TRIP 12-300-2017 (04/17)) | Policy wordingread, 15 November 2026 |
| BiltBilt Palladium Card (World Legend Mastercard), Trip Delay | United States | card | Depends | Three named causes: inclement weather, equipment failure of a common carrier documented by the carrier, and lost or stolen passport or travel documents. An FAA system failure is none of these on its face.Wording: Equipment failure of a common carrier (documented by the common carrier)Clause: Trip Delay, Evidence of Coverage, B. The kind of coverage you receive | Policy wordingread, 15 November 2026 |
| CitiStrata Elite and Strata Premier, Trip Delay | United States | card | Depends | Not read. Citi's Guide to Protection Benefits could not be opened. | Policy wordingunverified, 15 November 2026 |
| U.S. BankAltitude Reserve (Visa Infinite), Trip Delay Reimbursement | United States | card | Depends | Not read. No U.S. | No public wordingunverified, 15 November 2026 |
| ManulifeCoverMe Trip Cancellation and Interruption (Manulife Global Travel Insurance was… | Canada | insurer | Depends | Misconnection benefit reaches a delay, schedule change or cancellation of the common carrier with no cause named. The trip interruption missed-connection event is a named list (mechanical failure, traffic accident, police road closure, weather, earthquake, volcanic eruption).Wording: delay or schedule change or cancellationClause: Misconnection Insurance | Policy wordingsummary, 15 November 2026 |
| Blue Cross (Ontario Blue Cross and Quebec Blue Cross)Travel Insurance Policy, Trip Cancellation and Interruption coverage (form 11XVV0196A… | Canada | insurer | Depends | Named insured risks. Risk 14 covers a flight schedule change that makes you miss a connection, with no cause named.Wording: a flight schedule change causes you to miss your connectionClause: Trip Cancellation and Interruption, List of insured risks, Transportation, risks 14 to 17 and 33 | Policy wordingread, 15 November 2026 |
| Pacific Blue CrossTravel Insurance Policy, Trip Cancellation or Interruption Benefit (form 0538.003… | Canada | insurer | Depends | Open wording. The benefit responds to an accident, illness or other unforeseen fortuitous event beyond the covered person's control, subject to a list of exclusions, and the claim needs evidence that a non-excluded event caused it.Wording: other unforeseen fortuitous eventClause: Trip Cancellation or Interruption Benefit, insuring clause and 'What is not covered' | Policy wordingread, 15 November 2026 |
| Medavie Blue CrossIndividual travel insurance (trip cancellation) | Canada | insurer | Depends | Policy wording was not found, so no position on air traffic control or government system failures can be attributed. The claim form offers 'Delayed or cancelled flight' and 'Delayed return' as claim types. | Policy wordingunverified, 15 November 2026 |
| TuGoTraveller policy: Trip Cancellation and Trip Interruption, and Air Travel Delay Expenses… | Canada | insurer | Yes | No cause test. Covered risks are the late departure or late arrival of the common carrier causing a missed connection, the same by at least 4 hours with no connection, and cancellation of the carrier for any reason other than bankruptcy, insolvency or quarantine.Wording: for any reason other than bankruptcy, insolvency or quarantineClause: Trip Cancellation and Trip Interruption, Cancellations and Delays, covered risks 19 to 21 | Policy wordingread, 15 November 2026 |
| Allianz Global Assistance CanadaTrip Cancellation Coverage (trip cancellation, interruption and delay), direct policy | Canada | insurer | Depends | Trip Delay lists delays of the common carrier as a covered reason with no cause test, alongside quarantine, unannounced strikes, natural disaster and civil disorder. A covered delay that costs more than 50% of the trip also opens trip interruption.Wording: delays of your common carrier (including bad weather)Clause: Trip Delay Coverage, Covered Reasons and Benefits | Policy wordingread, 15 November 2026 |
| CAA Travel InsuranceCAA Travel Insurance Policy, Trip Cancellation and Interruption (TI-58 09/26 for CAA… | Canada | insurer | Depends | Trip Delays has no cause test: a common carrier delayed at least 6 hours, or delayed or cancelled so that you miss a connection. The separate trip interruption 'missed connection involving a common carrier' situation is a named list (natural disaster, extreme weather, police road closure, mechanical failure, another passenger's medical emergency, a spontaneous strike).Wording: delayed for at least 6 hoursClause: Trip Delays Covered Situations 1 and 2 | Policy wordingread, 15 November 2026 |
| BCAA Travel InsuranceBCAA Travel Insurance policy wording (file dated 2026-10-29): Trip Cancellation and… | Canada | insurer | Yes | No cause test. Covered risks are the earlier or later departure or later arrival of the common carrier causing a missed connection, the same by at least 4 hours with no connection, and cancellation of a common carrier for any reason other than bankruptcy, insolvency or quarantine.Wording: for any reason other than bankruptcy, insolvency or quarantineClause: Trip Cancellation and Interruption, Cancellations and Delays, covered risks 23 to 25 | Policy wordingread, 15 November 2026 |
| RBC InsuranceCancellation and Interruption Insurance, retail travel policy (form 123626, 06/2023) | Canada | insurer | No | Named causes only. Reason 17 covers a missed departure or delay of connecting transport from mechanical failure, a traffic accident, a police road closure, weather, earthquake or volcanic eruption, an unannounced strike, or lost travel documents.Wording: mechanical failure of that transportationClause: Covered Reasons 17 and 18, Transportation Delays | Policy wordingread, 15 November 2026 |
| TD InsuranceTrip Cancellation and Interruption Plan, single trip (form 536336, 10/22) | Canada | insurer | No | Named causes only. Insured risk 9 covers a delay that makes you miss or interrupt part of the trip where the carrier or connecting flight is delayed by weather, mechanical failure, a police road closure or an accident.Wording: delayed due to weather, a mechanical failureClause: Section 4 A, insured risk 9 | Policy wordingread, 15 November 2026 |
| BMO Travel InsuranceBMO Travel Insurance retail certificate, Flight Delay benefit | Canada | insurer | Depends | The flight delay clause names no cause. Missed connection is a named list (weather, mechanical failure or accident of a common carrier, traffic accident, police road closure).Wording: a delay of more than 6 hoursClause: Flight Delay benefit | Policy wordingsummary, 15 November 2026 |
| ScotiabankScotia Travel Insurance (retail; Travelling Canadians plans) | Canada | insurer | Depends | The Scotia Travel Insurance policy wording was not found, so no position on air traffic control or government system failures can be attributed. | Policy wordingunverified, 15 November 2026 |
| CIBC Travel InsuranceTrip Cancellation and Trip Interruption Insurance Enhanced Plan (certificate file dated… | Canada | insurer | Depends | Reason 13 covers a carrier delay that makes you miss a departure only where a 'covered situation' caused it (weather, volcanic eruption, natural disaster, mechanical failure of the connecting carrier, traffic accident, emergency road closure). Reason 14 covers a schedule change or cancellation of the common carrier that makes you miss a connection or cancels or interrupts the trip, with no cause named.Wording: A schedule change or cancellation of the common carrierClause: Covered Reasons 13 and 14 (Transportation) | Policy wordingread, 15 November 2026 |
| RBC cardsRBC Avion Visa Infinite, Delayed Baggage and Flight Delay Insurance (certificate 15634… | Canada | card | Yes | No cause test. The trigger is a delayed departure of a confirmed scheduled flight, or a missed connection from a late incoming flight, where the carrier makes no alternative transport available.Wording: no alternative transportation is made availableClause: Part 2, Flight Delay Insurance, 'When does coverage begin and end?' | Policy wordingread, 15 November 2026 |
| TD cardsTD Aeroplan Visa Infinite, Flight/Trip Delay Insurance certificate (Benefit Coverages… | Canada | card | No | Named causes only: inclement weather, equipment failure of the common carrier, or an unforeseen strike by the carrier's employees. Exclusions remove losses from laws, regulations or orders made by any government or public authority, and events made public or known before the trip was booked.Wording: orders issued or made by any government or Public AuthorityClause: Flight/Trip Delay Insurance, Section 5, causes 1 to 3 and exclusions 1 to 5 | Policy wordingread, 15 November 2026 |
| BMO cardsBMO Ascend World Elite Mastercard, Flight Delay Insurance (certificate 50400673, 10/22) | Canada | card | Yes | No cause test. The benefit is payable on a delay of more than 4 hours in the arrival or departure of a regularly scheduled commercial flight.Wording: a delay of more than four (4) hoursClause: Section 5.5 Coverage Benefits | Policy wordingread, 15 November 2026 |
| Scotiabank cardsScotiabank Passport Visa Infinite + Card, Flight Delay Insurance (certificate amended and… | Canada | card | No | Named causes only: strike by airline personnel, quarantine, civil commotion, hijack, natural disaster, inclement weather, mechanical breakdown or denied boarding from overbooking. An air traffic control or government system failure is absent from the list.Wording: mechanical breakdown or denied boarding due to overbookingClause: Section F, Flight Delay Insurance, 1 Eligibility (b) | Policy wordingread, 15 November 2026 |
| CIBC cardsCIBC Aventura Visa Infinite, Flight Delay and Baggage Insurance (certificates amended and… | Canada | card | Depends | Named causes: strike by airline personnel, quarantine, civil commotion, hijack, natural disaster, inclement weather, mechanical breakdown, or air traffic delays caused by congestion in the skies. The air traffic limb is the nearest fit for a ground stop, but it is tied to congestion, and this stop came from an equipment failure.Wording: air traffic delays caused by congestion in the skiesClause: Flight Delay and Baggage Insurance, Section 5, Flight Delay/Missed Connection (d) | Policy wordingread, 15 November 2026 |
| American Express CanadaThe Platinum Card, Flight and Baggage Delay and Hotel Burglary Insurance (certificate… | Canada | card | Yes | No cause test. Coverage B pays where a confirmed scheduled departure from any airport is delayed 4 hours or more.Wording: delayed for four (4) hours or moreClause: Section 6, Coverage A (Missed Connection) and Coverage B (Delayed Flight Departure or Denied Boarding) | Policy wordingread, 15 November 2026 |
| Cover-More AustraliaCover-More Travel Insurance Combined FSG and PDS, effective 15 October 2025 (prepared 18… | Australia | insurer | Depends | Travel Delay: open cause. Pre-booked, prepaid transport delayed at least 6 hours by an unforeseeable circumstance outside your control, and the clause expressly includes a Cyber Incident.Wording: "unforeseeable circumstance outside Your control (including a Cyber Incident)"; "Transport Provider caused cancellations, delays or rescheduling other than when caused by strikes"Clause: Part 6 Policy Wording: Section 9 Travel Delay (page 37) | Policy wordingread, 15 November 2026 |
| Allianz AustraliaAllianz Travel Insurance PDS, prepared 19 December 2025 (POL849 / IMP3748).… | Australia | insurer | Depends | Travel Delay: open cause. Circumstances outside your control that cause an unexpected delay of at least 6 consecutive hours.Wording: "circumstances outside your control result in an unexpected delay to your journey of at least 6 consecutive hours"; cancellation exclusion: "delays or rescheduling by a bus line, airline, shipping…Clause: Benefit 3.2 Travel Delay Expenses, 3.2.1 and 3.2.2 (page 26) | Policy wordingread, 15 November 2026 |
| 1Cover1Cover Travel Insurance Combined FSG and PDS, effective 4 March 2026. Comprehensive… | Australia | insurer | Depends | Travel Delay: open cause. Prepaid scheduled transport cancelled, delayed or rescheduled for a reason outside your control, after the journey has started.Wording: "cancelled, delayed, or rescheduled for a reason outside of your control"; cancellation sections: "operational or engineering issues, crewing requirements or a cyber incident affecting any means of…Clause: Section 16 Travel Delay Expenses | Policy wordingread, 15 November 2026 |
| Fast CoverFast Cover Travel Insurance Combined FSG and PDS, effective 15 October 2026.… | Australia | insurer | Depends | Travel Delay: open cause. Pre-booked Carrier cancelled and rescheduled, or delayed, due to circumstances outside your control.Wording: "cancelled and rescheduled, or delayed ... due to circumstances outside Your control"; Benefit 6 exclusion: "cancellation, delays or rescheduling by a bus line, airline, shipping line or rail…Clause: Benefit 16 Travel Delay Expenses (pages 64 to 65) | Policy wordingread, 15 November 2026 |
| Southern Cross Travel Insurance (SCTI)International Comprehensive Single Trip PDS, effective 12 July 2025 (base policy: travel… | Australia | insurer | Depends | Open cause. An unexpected event: something sudden, unforeseeable or unintended, outside your control, that you could not reasonably have expected or avoided, and that directly affects you.Wording: "sudden, unforeseeable, or unintended"; "outside of your control"; exclusion E.2 "government or official authority's ... directive; restriction; prohibition"Clause: D.3.1 Travel interruption (pages 48 to 50) | Policy wordingread, 15 November 2026 |
| Southern Cross Travel Insurance (SCTI)TravelCare Delay Assist, Supplementary PDS effective 1 July 2026 (benefit D.3.1A added to… | Australia | insurer | Yes | Cause is not tested. Any delay of 2 hours or more on a registered flight during the benefit period (the 24 hours ending at scheduled departure).Wording: "registered flight is delayed by two hours or more"Clause: SPDS section D.3.1A TravelCare Delay Assist, pages 1 to 3 | Policy wordingread, 15 November 2026 |
| World Nomads AustraliaWorld Nomads Travel Insurance Combined FSG and PDS, effective 30 September 2026. Standard… | Australia | insurer | No | Closed list of 14 Insured Events; the PDS says an event that is not specifically listed has no cover. The only transport event is Insured Event 5: cancellation, delay or restriction of your travel arrangements by your travel service provider due to severe weather, natural disaster, hijacking or strike.Wording: "due to severe weather, natural disaster, hijacking or strike"; "If an event is not specifically listed, there is no cover under this section"Clause: Section 3 Cancellation and Trip Interruption: Insured Events table, event 5 | Policy wordingread, 15 November 2026 |
| nib Travel Insurancenib Travel Insurance PDS (Comprehensive, Essentials, Annual Multi-Trip and Domestic… | Australia | insurer | Depends | Travel delay (3.2): open wording, any unexpected delay from circumstances outside your control. Excluded: acts of terrorism and the financial collapse of a service provider.Wording: "circumstances outside your control"Clause: Section 3.2 Travel Delay Expenses (3.2.1 and 3.2.2), PDS page 27 | Policy wordingread, 15 November 2026 |
| Medibank Travel InsuranceMedibank Travel Insurance Combined PDS and FSG, effective 22 April 2026 (prepared 3 March… | Australia | insurer | Depends | Travel delay: open wording, an unforeseeable circumstance outside your control, with cyber incidents expressly included. Missed connections: prepaid scheduled transport cancelled, delayed or rescheduled within 72 hours of departure so you miss a pre-booked flight, cruise or multi-night tour, with at least 90 minutes allowed between connections; excludes terrorism.Wording: "unforeseeable circumstance outside Your control (including a Cyber Incident)"Clause: Section 10 Travel Delay Expenses (PDS pages 68 to 69) | Policy wordingread, 15 November 2026 |
| Bupa Travel InsuranceBupa Travel Insurance Combined FSG and PDS, effective 11 March 2026 (prepared 7 December… | Australia | insurer | Depends | Travel delay: open wording, an unforeseeable circumstance outside your control, cyber incidents expressly included. Missed connections: prepaid scheduled transport cancelled, delayed or rescheduled within 72 hours of departure, 90 minutes minimum connection time.Wording: "unforeseeable circumstance outside Your control (including a Cyber Incident)"Clause: Section 9 Travel Delay | Policy wordingread, 15 November 2026 |
| Qantas Travel InsuranceQantas Travel Insurance International Comprehensive Plan PDS, prepared 1 July 2026, for… | Australia | insurer | Depends | Section 8.1 has no cause test: it pays when pre-booked public transport departs more than 6 hours late. Sections 1 and 2 use open wording, something unexpected and outside your control, but Section 2 excludes costs for delays, rescheduling or cancellation caused by or within the transport provider's operational control (for 2.1, where recoverable from the provider).Wording: "delayed from departing for more than six hours"; "unexpected and outside your control"Clause: Section 8.1 Travel delay (PDS pages 40 to 41) | Policy wordingread, 15 November 2026 |
| Qantas Travel Insurance (policies bought 19 July 2023 to 12 May 2026)Qantas Travel Insurance International Comprehensive Plan PDS, prepared 1 August 2025, for… | Australia | insurer | Depends | Section 8.1 has no cause test. Section 2 excludes costs for delays, rescheduling or cancellation caused by or within the public transport provider's operational control.Wording: "delayed from departing for more than six hours"Clause: Section 8.1 Travel delay | Policy wordingread, 15 November 2026 |
| Virgin Australia Travel InsuranceVirgin Australia Travel Insurance Combined FSG and PDS, effective 25 March 2026: Travel… | Australia | insurer | Depends | Travel delay: open wording, an unforeseeable circumstance outside your control, cyber incidents expressly included. Cancellation: excludes Transport Provider caused cancellations, delays or rescheduling other than strikes (and mechanical failure for one cruise benefit).Wording: "unforeseeable circumstance outside Your control (including a Cyber Incident)"Clause: Section 9 Travel Delay | Policy wordingread, 15 November 2026 |
| Commonwealth Bank card travel insurance (activated before 29 September 2026)CBA Credit Card Insurances Product Disclosure Statement and Information Booklet… | Australia | card | Depends | Open wording: pre-booked transport temporarily delayed by an unforeseeable circumstance outside your control, cyber incidents expressly included.Wording: "unforeseeable circumstance outside your control (including a cyber incident)"Clause: Benefit 12: Travel Delay Expenses (booklet pages 58 to 59) | Policy wordingread, 15 November 2026 |
| Commonwealth Bank card travel insurance (activated from 29 September 2026)CommBank Card Insurances Combined PDS and FSG (XCover), for cover activated from 29… | Australia | card | Depends | Not confirmed: the XCover PDS page did not render for reading. | Policy wordingunverified, 15 November 2026 |
| ANZ Platinum and Black cards complimentary insuranceANZ Platinum and Black Complimentary Insurance policy information booklet, effective 7… | Australia | card | Depends | Travel delay: open wording, circumstances outside your control. Excluded: terrorism and the financial default of a service provider.Wording: "circumstances outside your control"Clause: Section 3.2 Travel Delay Expenses (3.2.1, 3.2.2), booklet page 43 | Policy wordingread, 15 November 2026 |
| NAB card complimentary insuranceNAB Card Insurance Policy Information Booklet, effective 15 May 2026 (with notice of… | Australia | card | Depends | Open wording: a delay of at least 6 consecutive hours from circumstances outside your control. Excluded: terrorism and the financial default of a service provider.Wording: "circumstances outside your control"Clause: Section 3.2 Travel Delay Expenses (3.2.1, 3.2.2), booklet pages 51 to 52 | Policy wordingread, 15 November 2026 |
| Westpac credit card complimentary insurance (eligibility met before 1 October 2026)Westpac Credit Cards Complimentary Insurance Policy Information Booklet, effective 23… | Australia | card | Depends | Open wording: circumstances outside your control. Excluded: terrorism and the financial default of a service provider.Wording: "circumstances outside your control"Clause: Section 3.2 Travel delay expenses, booklet page 53 | Policy wordingread, 15 November 2026 |
| Westpac credit card complimentary insurance (eligibility met from 1 October 2026)Westpac Credit Card International Travel Insurance Product Disclosure Statements… | Australia | card | No | Paid upgrade only: open wording, circumstances outside your control causing an unexpected delay. Excluded: terrorism and the financial collapse of a service provider.Wording: "circumstances outside your control"Clause: Part C, Section 3.2 Travel Delay Expenses | Policy wordingread, 15 November 2026 |
| American Express Platinum Card (Australia)American Express Platinum Card Insurance Terms and Conditions, effective 15 March 2022 | Australia | card | Yes | Travel Inconvenience Cover has no cause test: it responds when a scheduled flight is delayed or cancelled by 4 hours or more, when boarding is denied for overbooking with no alternative within 4 hours, or when an onward connection is missed because the incoming flight was late and no alternative is offered within 4 hours of arrival. Trip Cancellation and Amendment Cover is a closed list (transport cancelled by the provider for riot, strike, civil commotion or natural disaster, among others) and excludes any government regulation, prohibition or restriction.Wording: "delayed or cancelled by 4 hours or more"Clause: Section D Travel Inconvenience Cover, items 1 and 2 | Policy wordingread, 15 November 2026 |
| American Express Explorer Credit Card (Australia)American Express Credit Card Insurance Terms and Conditions, effective 15 March 2022… | Australia | card | Yes | Travel Inconvenience Cover has no cause test: it responds when a scheduled flight is delayed or cancelled by 4 hours or more, when boarding is denied for overbooking with no alternative within 4 hours, or when an onward connection is missed because the incoming flight was late and no alternative is offered within 4 hours of arrival. Trip Cancellation and Amendment Cover is a closed list (transport cancelled by the provider for riot, strike, civil commotion or natural disaster, among others) and excludes any government regulation, prohibition or restriction.Wording: "delayed or cancelled by 4 hours or more"Clause: Section C Travel Inconvenience Cover, items 1 and 2 (page 25 summary) | Policy wordingread, 15 November 2026 |
| Qantas American Express Ultimate Card (Australia)American Express Credit Card Insurance Terms and Conditions, effective 15 March 2022… | Australia | card | Yes | Travel Inconvenience Cover has no cause test: it responds when a scheduled flight is delayed or cancelled by 4 hours or more, when boarding is denied for overbooking with no alternative within 4 hours, or when an onward connection is missed because the incoming flight was late and no alternative is offered within 4 hours of arrival. Trip Cancellation and Amendment Cover is a closed list (transport cancelled by the provider for riot, strike, civil commotion or natural disaster, among others) and excludes any government regulation, prohibition or restriction.Wording: "delayed or cancelled by 4 hours or more"Clause: Section C Travel Inconvenience Cover, items 1 and 2 | Policy wordingread, 15 November 2026 |
| AvivaAviva Signature Single trip and Annual Multi-trip Travel Insurance policy booklet… | United Kingdom | insurer | Yes | Open. The delayed transport benefit pays for any delay to pre-booked transport and lists no causes.Wording: "cancelled or delayed for more than 12 hours"Clause: Section 5C Unexpected costs (Travel disruption, Missed transport, Delayed transport), pages 27 to 28 | Policy wordingread, 15 November 2026 |
| AXAAXA Travel Insurance Policy Wording (Bronze, Silver, Gold), V3-2/26, for purchases after… | United Kingdom | insurer | Depends | Open for delay and disruption: delayed arrival pays for arriving late because of a public transport delay, and travel disruption covers booked public transport being cancelled, delayed 6 hours or more, or diverted after take-off. Missed departure is a closed list (failure of other public transport, vehicle accident or breakdown, traffic incident, strike or bad weather).Wording: "Failure of air traffic control, airport computer systems ... caused by a cyber attack"Clause: Section 3 Disruption or delay to travel plans (1 Missed departure, 2 Delayed arrival, 3 Travel disruption) | Policy wordingread, 15 November 2026 |
| Allianz Assistance UKAllianz Assistance Single-Trip and Backpacker Policy Handbook (Bronze, Silver, Gold… | United Kingdom | insurer | No | Closed list for delayed departure: serious fire, storm or flood damage at the departure point; industrial action; bad weather; mechanical breakdown of the transport; a mechanical or structural fault in the vehicle. Missed connections are excluded from the delay section.Wording: "Cyber risk of any kind"Clause: Section 9 Delayed departure, page 35 | Policy wordingread, 15 November 2026 |
| StaysureStaysure Travel insurance policy, July 2026 (Basic, Comprehensive, Signature), V21… | United Kingdom | insurer | Yes | Closed list for travel delay on the first outward or final return international journey: strike or industrial action; bad weather; failure of air traffic control systems; mechanical breakdown of the aircraft, vessel, coach or train. Missed connection (4b) covers scheduled public transport being delayed or cancelled, with no cause list.Wording: "failure of air traffic control systems"Clause: Section 5 Travel Delay, page 24 | Policy wordingread, 15 November 2026 |
| StaysureStaysure Travel insurance policy, July 2026, V21, Section 12 Optional Travel Disruption… | United Kingdom | insurer | Yes | Open. The extension lists no causes for the delay, cancellation or diversion.Wording: "cancelled; or diverted ... or is delayed for more than 24 hours"Clause: Section 12 Optional Travel Disruption Extension (Extended Delay benefit, Trip continuation, Enforced stay), pages 32 to 34 | Policy wordingread, 15 November 2026 |
| AllClearAllClear Travel Insurance policy wording, Gold, Gold Plus and Platinum, 08/26 | United Kingdom | insurer | No | Closed list: strike or industrial action; adverse weather conditions; mechanical or electrical breakdown of the aircraft, coach, train or vessel. Missed departure is limited to public transport failing because of poor weather, strike or industrial action, or a vehicle accident or breakdown.Wording: "delayed by more than 24 hours"Clause: Section 4 Travel delay and abandonment, page 23 | Policy wordingread, 15 November 2026 |
| Post Office Travel InsurancePost Office Travel Insurance Policy (Economy, Standard, Premier), PL10356, July 2026… | United Kingdom | insurer | No | Closed list: industrial action; bad weather (other than a natural catastrophe); technical fault or breakdown that originated on the public transport the traveller was on, including bird strikes; shortage of crew. Delays when airspace is closed are excluded from base cover.Wording: "When airspace is closed"Clause: Section 8 Trip disruption, Delay and Abandonment (What is Covered, What is Not Covered) | Policy wordingread, 15 November 2026 |
| Post Office Travel InsurancePost Office Travel Insurance Policy, PL10356, July 2026, optional Trip Disruption upgrade… | United Kingdom | insurer | Yes | Adds to the base list: natural catastrophe; terrorism event; unauthorised unmanned aircraft; air traffic control restrictions including airspace closure; failure of air traffic control or airport computer systems unless caused by cyber terrorism; an event at the departure point causing its closure or evacuation. The same list applies to missed departure from the UK and to missed departure and connections outside the UK.Wording: "Failure of air traffic control or airport computer systems, not including system failure caused by cyber terrorism"Clause: Section 8 Trip disruption: Optional upgrade for Trip Disruption under Delay and Abandonment, Missed Departure from the UK, and Missed… | Policy wordingread, 15 November 2026 |
| AdmiralAdmiral Travel Insurance, Guide to your Travel Insurance cover (Admiral, Gold, Platinum)… | United Kingdom | insurer | No | Closed list: strike or industrial action; severe weather conditions; mechanical breakdown of the transport (including a bird strike). Technical issues, with computer system problems given as the example, and operational issues are excluded.Wording: "technical issues (for example, an issue affecting computer systems ...)"Clause: Section 4 sub-sections 1 to 3, pages 34 to 46, including the summary table on page 46 | Policy wordingread, 15 November 2026 |
| AdmiralAdmiral Travel Insurance, TRAPB 014, Section 15 Enhanced trip disruption (optional add-on) | United Kingdom | insurer | Yes | Listed causes include strike; severe weather; mechanical breakdown; technical issues of the transport or the computer systems at the station, port or terminal (unless caused by terrorism); diversion after a mid-air emergency; operational issues such as crew hours; airspace closures; air traffic control restrictions; overbooking; evacuation of the airport. Covers outbound and return journeys and onward connecting transport.Wording: "Air traffic control restrictions"Clause: Section 15 Enhanced trip disruption, sub-sections 1 to 3, pages 66 to 73 | Policy wordingread, 15 November 2026 |
| LV=LV= Travel Insurance (Essential and Premier), policy document not readable; details from… | United Kingdom | insurer | Depends | The extract describes the Premier delay benefit as applying where the transport was pre-booked, the traveller had checked in and was waiting at the departure point, and the delay was outside their control. No cause list or air traffic control wording was visible. | Policy wordingsummary, 15 November 2026 |
| Direct LineDirect Line Travel Insurance policy booklet (DL T PB 0624) | United Kingdom | insurer | Depends | Delayed and abandoned departure are open: any delay of more than 12 hours to a pre-booked aircraft, ship or train after check-in, with no list of causes. Missed departure is a closed list: delays to scheduled public transport you are travelling in, a connecting scheduled flight running late, or a road accident, traffic, road closure or breakdown.Wording: "delayed by more than 12 hours beyond the time shown on your travel itinerary"Clause: Section J Delay, abandonment & missed departure, pages 21 to 22 | Policy wordingread, 15 November 2026 |
| InsureandGoInsureandGo Silver & Gold Travel Insurance Policy (SILVER & GOLD 04/26, with Addendum… | United Kingdom | insurer | No | Closed list for delay and abandonment: strike or industrial action, adverse weather, mechanical breakdown of the aircraft, coach, train or vessel. Missed departure closed list: failure of scheduled public transport due to poor weather, strike or industrial action; accident or breakdown of your vehicle or one ahead.Wording: "Strike or industrial action", "Adverse weather conditions", "Mechanical breakdown"Clause: Section 4 Travel Delay and Abandonment (page 35) | Policy wordingread, 15 November 2026 |
| Columbus DirectColumbus Direct Travel Insurance Policy Wording COL-PW13-01 (Sept 26) | United Kingdom | insurer | Depends | Standard cover is a closed list: industrial action, bad weather (natural catastrophes excepted), technical fault or breakdown that originated on the public transport you are travelling on (including bird strikes), shortage of crew. Standard cover excludes delays when airspace is closed.Wording: Upgrade only: "Air traffic control restrictions including airspace closure" and "Failure of air traffic control not including system failure caused by cyber terrorism"Clause: Delay and Abandonment (page 17) | Policy wordingread, 15 November 2026 |
| SagaSaga Standard & Plus Travel Insurance policy book (policies taken out on or after 10… | United Kingdom | insurer | Depends | Delayed departure is open: the ship, aircraft or train is delayed leaving on the outward journey or the final part of the return journey, with no list of causes. Missed departure is a closed list: failure of scheduled public transport, delay to a connecting scheduled flight, involuntary denied boarding, vehicle accident or breakdown.Wording: "delayed in leaving at its scheduled time of departure"; enforced stay: "The airspace being closed"Clause: Delayed departure (page 22) | Policy wordingread, 15 November 2026 |
| Nationwide FlexPlusFlexPlus Worldwide Family Travel Insurance policy P4197 (June 2024) | United Kingdom | insurer | Depends | Open for delay: pre-booked travel arrangements cancelled or delayed for more than 12 hours or diverted after departure, where the travel provider has been unable to provide suitable alternative arrangements. No list of causes for that limb.Wording: "cancelled or delayed for more than 12 hours from the time shown on their ticket"Clause: Section C Unexpected costs: Travel disruption, Missed transport, Delayed transport (pages 28 to 30) | Policy wordingread, 15 November 2026 |
| Barclays Travel PackBarclays Travel Pack Welcome Pack terms (9917638b, 05/24) | United Kingdom | insurer | Depends | Open for delay: pre-booked travel cancelled or delayed for more than 12 hours or diverted after departure, where the provider cannot give suitable alternative arrangements within 24 hours of the original departure.Wording: "cancelled or delayed for more than 12 hours"Clause: Travel disruption, Missed transport and Delayed transport, Unexpected costs section | Policy wordingread, 15 November 2026 |
| HSBC PremierHSBC Travel Insurance Policy Wording: Private Banking, Premier (retained Jade benefits)… | United Kingdom | insurer | Depends | Open for delay: pre-booked travel arrangements cancelled or delayed for more than 12 hours from the ticket time, or diverted after departure.Wording: "cancelled or delayed for more than 12 hours from the time shown on their ticket"Clause: Section C Unexpected costs: Travel disruption, Missed transport, Delayed transport (pages 32 to 33) | Policy wordingread, 15 November 2026 |
| NatWest (Black and Platinum accounts)NatWest Black Account Travel Insurance Terms (NWB201440, October 2026) and Platinum… | United Kingdom | insurer | No | The delay clause is open: any delay of more than four hours to a pre-booked aircraft, ship or train after you have checked in and begun the journey to the departure point; a carrier cancellation after you set out is treated as a delay. The general exclusions remove 'Cyber risks of any kind', defined to include any partial or total unavailability or failure to operate any computer system, and 'computer system' is defined to include communication systems.Wording: "Cyber risks of any kind"; "Any partial or total unavailability or failure to access, process, use or operate any computer system"Clause: Section 10 Delayed Departure, Parts A and B (page 37) | Policy wordingread, 15 November 2026 |
| Lloyds Bank (Silver, Club Lloyds Silver, Platinum, Club Lloyds Platinum)Packaged account travel insurance (wording not read) | United Kingdom | insurer | No | Not read. | Policy wordingsummary, 15 November 2026 |
| Halifax Ultimate Reward Current AccountWorldwide multi-trip family travel insurance (wording not read) | United Kingdom | insurer | No | Not read. | Policy wordingsummary, 15 November 2026 |
| Monzo MaxMonzo Individual Plan Holder Travel Insurance Terms and Conditions (ZCYX935AB.02, 06/25) | United Kingdom | insurer | No | Closed list: unforeseen strike or industrial action, adverse weather, mechanical breakdown of or technical fault in the scheduled public transport you are booked on.Wording: "mechanical breakdown of or a technical fault occurring in the scheduled public transport"Clause: Section 2 Delayed Departure (page 29) | Policy wordingread, 15 November 2026 |
| Revolut (Metal)Metal Travel Protection summary arranged by XCover.com (euro-denominated document; UK… | United Kingdom | card | Depends | Trip delay responds to a natural disaster, a travel carrier delay or a traffic accident.Wording: "travel carrier delay"Clause: Trip delay protection, benefit table | Policy wordingunverified, 15 November 2026 |
| American Express UK: The Platinum CardYour Insurance Documentation, The Platinum Card, January 2025 | United Kingdom | card | Yes | Travel Inconvenience is open on cause: the pre-booked flight, train or ship is delayed, cancelled or overbooked and no alternative is made available within 4 hours; or you miss a connection because the previous pre-booked flight arrived late. Trip abandonment (section 1.2 g) is a closed list: industrial action, adverse weather, mechanical breakdown of public transport, or a transportation accident.Wording: "delayed/cancelled/overbooked and no alternative is made available within 4 hours of its published departure time"Clause: Section 1.6 Travel Inconvenience (pages 13 to 14) | Policy wordingread, 15 November 2026 |
| American Express UK: Preferred Rewards GoldYour Insurance Documentation, American Express Preferred Rewards Gold Credit Card / The… | United Kingdom | card | Yes | Open on cause: pre-booked flight delayed, cancelled or overbooked with no alternative within 4 hours; or a missed connection caused by late arrival of the previous pre-booked flight. Flights only.Wording: "no alternative is made available within 4 hours of its published departure time"Clause: Section 2.1 Travel Inconvenience (pages 7 to 8) | Policy wordingread, 15 November 2026 |
| American Express UK: British Airways Premium PlusYour Insurance Documentation, British Airways American Express Premium Plus Card, January… | United Kingdom | card | Yes | Open on cause: pre-booked flight delayed, cancelled or overbooked with no alternative within 4 hours; or a missed connection from late arrival of the previous pre-booked flight. Flights only.Wording: "no alternative is made available within 4 hours of its published departure time"Clause: Section 2.1 Travel Inconvenience (pages 7 to 8) | Policy wordingread, 15 November 2026 |
| Multitrip.comMultitrip.com Travel Insurance Cover Handbook (Ireland, current 'PW_LATEST' edition… | Ireland | insurer | Depends | Standard K1/K2 is a closed list: strike or industrial action, adverse weather, mechanical breakdown of or technical fault in the scheduled public transport you are booked on. Public transport cancellations are excluded from K1/K2.Wording: K1: "mechanical breakdown of or a technical fault occurring in the scheduled Public Transport"; exclusion: "air traffic control delay existing or publicly announced"Clause: Section K1/K2 (page 28) | Policy wordingread, 15 November 2026 |
| Blue Insurance (Blueinsurance.ie)Blue Insurance Travel Insurance Cover Handbook, policy document… | Ireland | insurer | Depends | Standard K1/K2 closed list: strike or industrial action, adverse weather, mechanical breakdown of or technical fault in the scheduled public transport you are booked on. Public transport cancellations fall to the optional Travel Disruption cover.Wording: "air traffic control delay existing or publicly announced" (exclusion)Clause: Section K1/K2 Delayed Departure / Holiday Abandonment | Policy wordingread, 15 November 2026 |
| Vhi MultiTripVhi MultiTrip Travel Insurance Rules, Terms and Conditions, date of issue 1 September… | Ireland | insurer | No | Closed list: industrial action, bad weather (natural catastrophes excepted), technical fault or breakdown that originated on the public transport you are travelling on (including bird strikes), shortage of crew. Delays when airspace is closed are excluded, as are natural catastrophe and terrorism delays.Wording: Excluded: "When airspace is closed"Clause: Delay and Abandonment (page 16) | Policy wordingread, 15 November 2026 |
| Laya Healthcare Travel InsuranceLaya Healthcare Standard Travel Insurance Policy Document (policies purchased from 1… | Ireland | insurer | No | Closed list: poor weather conditions, a strike, industrial action or mechanical breakdown. Applies to the final international departure from or to the Republic of Ireland.Wording: "poor weather conditions, a strike, industrial action or mechanical breakdown"Clause: Section E1 Travel delay and E2 Abandoning your trip (page 24) | Policy wordingread, 15 November 2026 |
| Southern Cross Travel InsuranceTravelCare Delay Assist endorsement to International Comprehensive Single Trip (effective… | New Zealand | insurer | Yes | Any cause. The only test is a departure delay of 2 hours or more on a registered flight, measured in the 24 hours before scheduled departure.Wording: "delayed by two hours or more"Clause: D.3.1A TravelCare Delay Assist (endorsement pages 1 to 3) | Policy wordingread, 15 November 2026 |
| Southern Cross Travel InsuranceInternational Comprehensive Single Trip policy document (effective 12 July 2025) | New Zealand | insurer | Depends | Open: an 'unexpected event' that is sudden, outside your control and could not reasonably have been expected or avoided. General exclusion E.2 removes anything arising from a government or official authority's directive, restriction or prohibition.Wording: "sudden, unforeseeable, or unintended"; exclusion for an official authority's "directive; restriction; prohibition"Clause: D.3.1 Travel interruption (page 48 to 50) | Policy wordingread, 15 November 2026 |
| Cover-More New ZealandCover-More Travel Insurance Policy Wording (Comprehensive+, Comprehensive, Basic… | New Zealand | insurer | Depends | Delay: open, an unforeseeable circumstance outside your control, with a cyber incident named as included. General exclusion 9 removes claims arising from government intervention, prohibition, regulation or restriction.Wording: "unforeseeable circumstance outside Your control (including a Cyber Incident)"Clause: Section 9 Travel Delay | Policy wordingread, 15 November 2026 |
| Cover-More (Air New Zealand Travel Insurance)Air New Zealand International Comprehensive Travel Insurance Policy Wording, effective 26… | New Zealand | checkout add-on | Depends | Delay: open, an unforeseeable circumstance outside your control, cyber incident named. Missed connections: any cancellation, delay or rescheduling within 72 hours of departure, but transport provider caused disruption is excluded unless it was mechanical failure or strike.Wording: "other than when caused by mechanical failure or strike"Clause: Section 8 Travel delay | Policy wordingread, 15 November 2026 |
| AA Travel InsuranceAA Travel Insurance Policy Wording issue 1 (AAC | AAE), effective 1 December 2025, policy… | New Zealand | insurer | Depends | Delay: open, an unforeseeable circumstance outside your control (examples given: severe weather, a cyber incident, terrorism). Missed connections exclude transport provider caused disruption unless mechanical failure or strike.Wording: "unforeseeable circumstance outside your control"Clause: Travel delay (page 45) | Policy wordingread, 15 November 2026 |
| 1Cover1Cover New Zealand Travel Insurance Policy Wording, effective 4 March 2026 | New Zealand | insurer | Depends | Section 16: open, prepaid scheduled transport cancelled, delayed or rescheduled for a reason outside your control. Section 15 (additional accommodation and travel expenses) and Section 14 use a closed list: strike, riot, hijack, civil protest, weather, natural disaster or physical accident to the transport;Wording: "for a reason outside of your control"Clause: Section 16 Travel Delay Expenses | Policy wordingread, 15 November 2026 |
| Tower InsuranceTower International Travel Insurance policy wording AZ..TW.INT.6.1025 (October 2025) | New Zealand | insurer | Depends | Delay and missed connection: open, any unforeseeable circumstance beyond your control. Cancellation or curtailment of the service itself is a closed list (riot, strike, civil commotion, natural disaster, severe weather).Wording: "any unforeseeable circumstance beyond Your control"; exclusion "prevented or limited by legislation, government or court order"Clause: Section 1e Travel Delay | Policy wordingread, 15 November 2026 |
| SinglifeSinglife Travel Insurance Policy (Lite, Plus, Prestige), document dated Feb 2026 | Singapore | insurer | Yes | Any cause the traveller did not create: scheduled public transport delayed, denied boarding through overbooking, or diversion, where no other arrangement is offered within 6 hours of scheduled departure.Wording: "You are not the cause of the delay"Clause: Section 16 Travel Delay (pages 27 to 28) | Policy wordingread, 15 November 2026 |
| MSIGTravelEasy policy wording QTD032212 (file published March 2024) | Singapore | insurer | Depends | Closed list for delayed departure: strike or industrial action, riot, civil commotion, poor weather, natural disasters, mechanical breakdown of the transport, closure of airport or airspace.Wording: "closure of airport or airspace"Clause: Section 25 Delayed Departure (pages 31 to 32) | Policy wordingread, 15 November 2026 |
| Income InsuranceTravel Insurance Policy Conditions PL/Travel/202607A (Classic, Deluxe, Preferred) | Singapore | insurer | Yes | Any cause the traveller did not create: public transport delayed more than six hours in a row. Missed connection: late arrival of the incoming transport with no alternative within six hours.Wording: "you are not the cause of the delay"Clause: Section 5 Travel delay and Section 6 Missed connections (page 15 of 36) | Policy wordingread, 15 November 2026 |
| FWDFWD Travel Insurance Policy Wording V6 (April 2026), policies issued from 23 April 2026 | Singapore | insurer | Yes | Any cause the traveller, family member or travel companion did not create: scheduled public transport delayed, or bumped through overbooking. Missed connections: incoming transport arrives late with no alternative within 6 hours.Wording: "your scheduled public transport being delayed"Clause: Travel delay and Missed connections (page 12) | Policy wordingread, 15 November 2026 |
| Great EasternGREAT TravelCare policy wording TGC/GEG1.0/MAR2025 (Basic, Gold, Platinum) | Singapore | insurer | Yes | Open: delay due to any unforeseen circumstances that you did not cause, confirmed in writing by the transport provider.Wording: "any unforeseen circumstances"Clause: Section 21 Travel delay (pages 18 to 19) | Policy wordingread, 15 November 2026 |
| ChubbChubb Travel Insurance (Saver, Economy, Business, First), sold at… | Singapore | insurer | Depends | Policy wordingunverified, 15 November 2026 | |
| AIGTravel Guard Direct policy wording, Version No: 4 Dec 2024 (Supreme, Enhanced, Standard… | Singapore | insurer | Depends | Section E names no causes: it pays when prebooked paid transport arrives at least 6 hours late. General exclusions include government-issued orders, advisories, cessations or interventions that affect the ability to travel, and any event publicly known when the trip was booked or the policy bought.Wording: "arrives late at your scheduled destination"; exclusion for "Government-issued orders ... or interventions"Clause: Section E Travel Delay (page 21) | Policy wordingread, 15 November 2026 |
| MSIGiTravel Go (Single Trip) brochure H1044 dated 17 September 2026, Plans A, B, C | Hong Kong | insurer | Depends | Listed events only. MSIG's own article gives mechanical or electrical breakdown, strikes, riots, hijacking, adverse weather and natural disasters, and says delays caused solely by air traffic control restrictions may fall outside cover unless the ATC disruption itself came from severe weather or a natural disaster.Wording: "delays caused solely by air traffic control restrictions may not be covered" (MSIG article)Clause: Section 4.1 Travel Delay | Policy wordingread, 15 November 2026 |
| Blue Cross (Asia-Pacific) InsuranceTravel Smart Terms and Conditions (11/2025) | Hong Kong | insurer | No | Closed list of 'Covered Delay' events: adverse weather, natural disaster, unanticipated industrial action involving the conveyance, riot or civil commotion, act of terrorist, closure of airport, hijack, mechanical breakdown of the conveyance. Air traffic control and systems failure are not listed.Wording: "closure of airport"; "mechanical breakdown of the arranged Public Conveyance"Clause: Section 8 Travel Delay Benefit, subsections 8.1 to 8.3 | Policy wordingread, 15 November 2026 |
| ZurichGet "Z" Go+ Travel Insurance Plan, policy wording TSP-002-08-2026-01 (Deluxe, Essential… | Hong Kong | insurer | Depends | Delay allowance on Deluxe and Essential is not limited to named events. Section 6 (cancellation, interruption, hotel cost and cancellation due to delay) excludes air traffic control by local government, and operational reasons, error and overbooking of the carrier.Wording: "air traffic control by local government"Clause: Section 5 Delay Cover (a) | Policy wordingread, 15 November 2026 |
| ERGO ReiseversicherungStandard tariffs, Kundeninformationen und Versicherungsbedingungen VB-ERV 2025 (Stand… | Germany | insurer | Depends | No cause test in the delay clause. General exclusions remove losses caused by strike, closure of public traffic and other acts of state authority ('Eingriffe von hoher Hand').Wording: 'Sperrung des öffentlichen Verkehrs und andere Eingriffe von hoher Hand'Clause: VB-ERV 2025: Stornokosten-Versicherung Ziffer 8.1 and 8.2 (Verspätungsschutz während der Hinreise) | Policy wordingread, 15 November 2026 |
| HanseMerkurJahres-Reiseversicherung, VB-RS 2024 (JRV-D), document dated 2024.08.23 | Germany | insurer | Depends | Missed insured transport because a public transport service (air, land or water, licensed for public carriage) is more than 2 hours late or cancelled. Exclusions in the cancellation section: strike, seizure and other acts of state authority ('Eingriffe von hoher Hand'), war, nuclear energy.Wording: 'Verspätung eines öffentlichen Verkehrsmittels um mehr als 2 Stunden oder dessen Ausfall'Clause: VB-RS 2024 (JRV-D), Abschnitt II, Reise-Rücktrittsversicherung Ziffer 2.13 (benefit table Ziffer 2.20), Ziffer 1.1.4 (cruise), exclusions… | Policy wordingread, 15 November 2026 |
| Allianz Travel (Allianz Reiseschutz)Jahres-Reiseschutz-Paket Premium ohne Reise-Krankenversicherung, AVB 25 (document… | Germany | insurer | Depends | Closed list. First item is a delay by a carrier ('Verspätung eines Beförderungs-Unternehmens'); others include strike not announced before purchase, quarantine, natural disaster, lost travel documents, traffic accident.Wording: 'Verspätung eines Beförderungs-Unternehmens'; general exclusions 'Cyber-Risiko' and 'Maßnahmen der Staatsgewalt'Clause: AVB 25, section VERSPÄTUNGS-VERSICHERUNG (contents page 15) | Policy wordingread, 15 November 2026 |
| Allianz DirectAllianz Direct Reise-Versicherung (single trip), AVB edition 04/2026; product sheet IPID… | Germany | insurer | Depends | Closed list headed by a delay by a carrier ('Verspätung eines Beförderungsunternehmens'), then strike not announced before purchase and other listed events. General exclusions include cyber risk (any failure or unavailability of a computer system) and measures of state authority; the state-authority exception written into the exclusion does not extend to the delay cover.Wording: 'Verspätung eines Beförderungsunternehmens'; 'Cyber-Risiko'; 'Maßnahmen der Staatsgewalt'Clause: AVB 04/2026, section D. Reise-Verspätungs-Versicherung (page 20 in contents) | Policy wordingread, 15 November 2026 |
| ADAC ReiseversicherungADAC Reiserücktritts-Versicherung Exklusiv (Reiserücktritt and Reiseabbruch)… | Germany | insurer | Depends | No cause test in the clause; public transport includes aircraft licensed for public carriage. Exclusions: strike or other industrial action, official orders and measures of state authority ('behördliche Verfügungen und Maßnahmen der Staatsgewalt'), war, nuclear energy, terror warnings or attacks.Wording: 'behördliche Verfügungen und Maßnahmen der Staatsgewalt'Clause: Versicherungsbedingungen Stand 01.07.2023: Teil B Ziffer 2.6, 3.4, 4.3.1, 4.3.2 | Policy wordingread, 15 November 2026 |
| Miles & More Credit Card (Travel Security Paket)Lufthansa Miles & More Credit Card Travel Security Paket, Versicherungsbestätigung AVB… | Germany | card | Depends | Closed list headed by a delay by a carrier ('Verspätung eines Beförderungsunternehmens'), then strike not announced beforehand, quarantine, natural disaster, lost documents, traffic accident. General exclusions include cyber risk (defined to include any failure or unavailability of a computer system), measures of state authority, and anything known or foreseeable when cover began or the trip started.Wording: 'Verspätung eines Beförderungsunternehmens'; exclusions 'Cyber-Risiko' and 'Maßnahmen der Staatsgewalt'Clause: Reiseunannehmlichkeits-Versicherung, Verkehrsmittel-Verspätung / Reise-Verzögerungen (pages 10 to 11) | Policy wordingread, 15 November 2026 |
| Miles & More Credit Card (standard card insurance)Lufthansa Miles & More Credit Card Versicherungsbestätigung, Standard Paket AVB 22.10… | Germany | card | No | Trip interruption lists a carrier delay only where at least 50% of the trip length is lost. A cancellation of the journey by the carrier before departure is expressly stated to be outside cover.Wording: 'Sagt das Beförderungsunternehmen die Reise vor Abreise ab, ist dies kein versichertes Ereignis.'Clause: B. Reiseabbruch-Versicherung, insured event 11 (page 16) | Policy wordingread, 15 November 2026 |
| Europ AssistanceÉvasio temporaire, Dispositions Générales EA5311/2, edition 10/2024 | France | insurer | Depends | No cause test. Exclusions for this benefit: war, riots, strikes, terrorism, nuclear; destinations advised against by the foreign ministry; a decision of airport authorities, civil aviation authorities or any other authority that was announced 24 hours before the departure date; events between booking and buying the policy; missing the flight; being transferred to another airline within the original times.Wording: 'une décision des autorités aéroportuaires, des autorités de l'aviation civile, ou de toute autre autorité en ayant fait l'annonce 24 heures avant la date de départ'Clause: Chapitre A.8 Retard d'avion (A.8.1 to A.8.3), page 9 of 19 | Policy wordingread, 15 November 2026 |
| Allianz Travel France (now Luko by Allianz Direct)Assurance Annuelle multi-voyages, Notice d'information and Conditions générales… | France | insurer | Depends | Closed list of covered reasons that includes a carrier delay ('un retard du transporteur') and strike. General exclusions include cyber risk and acts, travel alerts or bans of any government or public authority, unless a cover states otherwise.Wording: 'Un retard du transporteur'; exclusions 'Cyber risque' and 'Actes ... de tout gouvernement ou autorité publique'Clause: Garantie Voyage retardé (Tableau des garanties and Conditions générales) | Policy wordingread, 15 November 2026 |
| AXA Assistance (AXA Partners)Voyageo court séjour, Conditions générales October 2022 (formulas 2 and 3) | France | insurer | Depends | No cause test. Excluded: any delay on the return leg; any delay due to a temporary or permanent withdrawal of an aircraft ordered by airport authorities, civil aviation authorities or a similar body, and or announced more than 24 hours before departure; overbooking; missing the flight.Wording: 'retrait temporaire ou définitif d'un avion, qui aura été ordonné ... par les autorités de l'aviation civile ... et/ou qui aura été annoncé plus de 24h avant'Clause: Section 3.3.7 Assurance retard d'avion (3.3.7.2 to 3.3.7.6), page 29 | Policy wordingread, 15 November 2026 |
| ChapkaCap Assistance Annuel, policy no. 22 43 710, Conditions générales updated 31/05/2024 | France | insurer | Depends | No cause test. Excluded: charter delays on the return leg; any delay due to a temporary or permanent withdrawal of an aircraft ordered by airport authorities, civil aviation authorities or a similar body; any delay announced more than 24 hours before departure; overbooking; missed flights; any event for which the tour organiser or the carrier may be responsible under the package travel rules or Regulation (EC) 261/2004.Wording: 'Tout retard dû à un retrait temporaire ou définitif d'un avion, qui aura été ordonné ... par les autorités de l'aviation civile'Clause: Article 12 Retard d'avion, page 25 | Policy wordingread, 15 November 2026 |
| Visa PremierAssurance Carte Visa Premier, Notice d'information April 2025, contract no. PP4 (BNP… | France | card | Yes | No cause test. Excluded: a delay from a war known before departure; a temporary or permanent withdrawal or strike of the flight ordered by airport authorities, civil aviation authorities or a similar body and announced before the departure date of the trip; costs after arriving home.Wording: 'ordonné par les autorités aéroportuaires, les autorités de l'aviation civile ou par un organisme similaire et qui aura été annoncé préalablement à la date de départ'Clause: Chapitre V Garantie Retard d'avion, page 10 of 23 | Policy wordingread, 15 November 2026 |
| Gold MastercardMastercard Gold, Notice d'information Assurance 01/2026, group contract M04 GOLD (Crédit… | France | card | Depends | Listed events: delay or cancellation of a scheduled or charter flight, overbooking, missed connection, late public transport to the airport. Excluded: refusing similar replacement transport; withdrawal of an aircraft ordered by the airport or civil aviation authorities or a similar body and announced before the departure date.Wording: 'un justificatif précisant l'heure d'arrivée prévue et l'heure d'arrivée réelle ainsi que le motif du retard'Clause: Article 4.1.4 Garantie Retard de transport (4.1.4.1 to 4.1.4.4), page 41 of 60 | Policy wordingread, 15 November 2026 |
| Assist CardCondiciones Generales de Servicios Assist Card (México), last updated 10.2026 | Mexico | insurer | No | Any delay or cancellation of an international flight with no alternative transport available, except airline bankruptcy and the force majeure events in clause C.7 (which lists weather, strikes, unusual air traffic and interruption of communication services, as examples).Wording: "tráfico aéreo inusual"Clause: Clause C.4.10 (page 14) | Policy wordingread, 15 November 2026 |
| AXA SegurosSeguro de viajero, Condiciones Generales (DV524, July 2024; CNSF registration… | Mexico | insurer | Depends | Closed list. Trip delay: strike, labour protest, adverse weather, mechanical breakdown, technical failure or defect, or a fortuitous event affecting public transport or the carrier.Wording: "falla o defecto técnico"Clause: Coverage 12.1 Retraso de viaje and 12.2 Cierre de vuelo (page 30) | Policy wordingread, 15 November 2026 |
| AXA Assistance México (Volaris)Cancelación de Viaje Volaris, Condiciones Generales (undated; 14 pages) | Mexico | checkout add-on | Depends | Not set out in the Volaris document. The operative terms sit in Seguros Atlas's Condiciones Generales de la Póliza de Seguro de Viajes, which was not read.Clause: Section "¿Qué hacer en caso de siniestro?" (page 2) | Policy wordingread, 15 November 2026 |
| GNPSeguro Viajero Premium (sold with Viva flights), Condiciones Generales "México 2021" | Mexico | checkout add-on | No | Any delay over 12 hours on the Viva flight while away from home, subject to the exclusions: strikes by airline or airport staff, fortuitous events or force majeure that stop the airline keeping its schedule, causes made public or known 24 hours before departure, natural catastrophes, airline insolvency, terrorism and war.Wording: "caso fortuito o de fuerza mayor"Clause: Section C "¿Qué hacer...?" and "Gastos por demora de vuelo" with its documents list and exclusions (unnumbered pages) | Policy wordingread, 15 November 2026 |
| MAPFRE MéxicoNo travel delay wording found. Document read: Seguro Mexitravel, Condiciones Generales (a… | Mexico | insurer | Depends | Policy wordingunverified, 15 November 2026 | |
| VisaSeguro de Demora de Viaje, Términos y Condiciones (Latin America and Caribbean, January… | Mexico | card | No | Closed list: bad weather delaying a common carrier, strike or other labour action by the carrier's staff, and failure of the carrier's equipment.Wording: "falla del equipo de un Transportista Común"Clause: "¿Cuáles son los riesgos cubiertos?" (page 1) | Policy wordingread, 15 November 2026 |
| MastercardTrip inconvenience (demora de viaje) benefit for Mexican-issued cards. No current guide… | Mexico | card | Depends | Policy wordingunverified, 15 November 2026 | |
| Assist CardCondições Gerais dos Serviços Assist Card (Brasil), last updated 10.2026 | Brazil | insurer | No | Any delay or cancellation of an international flight with no alternative transport available, except airline bankruptcy and the force majeure events in clause C.7 (weather, strikes, extraordinary air traffic and interruption of communication services are listed as examples).Wording: "tráfico aéreo extraordinário"Clause: Clause C.4.10 (pages 13 to 14) | Policy wordingread, 15 November 2026 |
| Porto SeguroSeguro Viagem Individual, Condições Gerais, December 2025 (Processo SUSEP… | Brazil | insurer | No | Closed list: any weather that delays the flight, labour issues such as strikes or protests, and sudden unforeseen defects in the regular airline's aircraft.Wording: "defeitos súbitos, não previstos, com a aeronave"Clause: Condição Especial Y, Cobertura de Atraso de Voo, items 1, 3, 4 and 7 (pages 101 to 103) | Policy wordingread, 15 November 2026 |
| Coris (Chubb)Plano de Seguro Viagem Individual, Condições Gerais e Especiais, version June 2025… | Brazil | insurer | No | Closed list: severe weather that compromises aircraft safety, labour issues (strike by airline or airport staff) and sudden unforeseen breakdown of the aircraft. A missed connection is included where the earlier flight on the same booking reference was delayed or cancelled for one of those causes.Wording: "quebra súbita, não prevista, na aeronave"Clause: Condição Especial "Cancelamento de Voo ou Atraso de Voo (acima de 06 horas)", clauses 2, 3 and 6 (pages 63 to 64) | Policy wordingread, 15 November 2026 |
| Allianz Travel (Allianz Seguros)Seguro Viagem Individual, Condições Gerais, December 2025, Versão 11_Dez (Processo SUSEP… | Brazil | insurer | Yes | List of covered events headed by delay of the travel carrier, then strike (unless threatened or announced before purchase), individual quarantine, natural disaster, lost or stolen travel documents, kidnapping, civil unrest, traffic accident and denied boarding on suspicion of contagious illness.Wording: "Atraso da transportadora de viagem"Clause: Cobertura 24, Atraso de Viagem, items 24.1 to 24.3 (page 75) | Policy wordingread, 15 November 2026 |
| Affinity Seguro ViagemPlano Individual, Condições Gerais 2026.02 (for policies issued from 1 March 2026), cover… | Brazil | insurer | No | Closed list: severe weather that compromises aircraft safety, labour issues (strike by airline or airport staff) and sudden unforeseen breakdown of the regular airline's aircraft. Missed connections are excluded.Wording: "quebra súbita, não prevista, na aeronave"Clause: Condição Especial 41, Reembolso em Atraso ou Cancelamento de Voo (acima de 8 horas) (RCV), items 41.1 to 41.3 (page 66) | Policy wordingread, 15 November 2026 |
| VisaCobertura de Atraso de Embarque Ampliada, Termos e Condições, June 2023 edition on… | Brazil | card | Yes | Severe weather, labour issues, sudden unforeseen breakdown of the carrier's vehicle, and operational reasons at the boarding airport due to air traffic restrictions or the airline.Wording: "restrições de tráfego aéreo"Clause: "O que está coberto?" items a to d (page 3) | Policy wordingread, 15 November 2026 |
| MastercardMastercard Black "Inconveniências de Viagem" (Brazil). The current Guia de Benefícios… | Brazil | card | Depends | Policy wordingsummary, 15 November 2026 | |
| Tata AIGTravel Insurance International, prospectus version 27 February 2026 (UIN… | India | insurer | No | Flight delay is a closed list: inclement weather, a strike involving the common carrier, or equipment failure of the common carrier. The prospectus gives no cause list for missed connections.Wording: "inclement weather, strike with common carrier or equipment failure of the common carrier"Clause: Prospectus, benefit 13 Flight Delay | Policy wordingread, 15 November 2026 |
| ICICI LombardInternational Travel Insurance policy wording (copy hosted by ICICI Bank, edition undated) | India | insurer | Depends | Closed list for Trip Delay: earthquake; floods from unseasonal rain, storm or cyclone; terrorism; personal emergencies such as hospitalisation; cancellation or rescheduling of flights by the common carrier that causes delay; loss or theft of passport or travel documents. Missed connection needs the earlier flight to arrive late, with a 3-hour test in the exclusions.Wording: "Cancellation or rescheduling of flights done at the instance of the Common Carrier that causes delay"Clause: Benefit 14 Trip Delay, clauses 2.14.1 to 2.14.3 | Policy wordingread, 15 November 2026 |
| HDFC ERGOTravel insurance (Travel Explorer family), flight delay cover as described on HDFC ERGO's… | India | insurer | Depends | Not listed on the pages read. The flight delay page mentions air traffic among reasons flights run late without saying which causes are covered.Wording: "Confirmation letter from the airlines clearly stating the duration and the reason for flight delay"Clause: HDFC ERGO flight delay page, 'Documents required' and 'How to claim' sections | Policy wordingread, 15 November 2026 |
| Bajaj General (formerly Bajaj Allianz)Trip Delay Delight rider (UIN BAJHLIA19077V011819), sold on a Bajaj base travel policy | India | insurer | Yes | Open. Any delay beyond the chosen time deductible on a flight from or to India, or its connecting flights, qualifies whatever the reason.Wording: "for whatsoever reason"Clause: Trip Delay Delight policy wording, Plan I insuring clause | Policy wordingread, 15 November 2026 |
| Tokio Marine and NichidoOverseas travel insurance (海外旅行保険), flight delay benefits (出発遅延・欠航・搭乗不能費用保険金 and… | Japan | insurer | Depends | Open. The page sets no list of causes; the test is the length of the delay and the lack of a replacement flight.Wording: "6時間以内に代替機を利用できなかった"Clause: 保険金をお支払いする主な場合等 (attention.html), 航空機遅延保険金 | Policy wordingread, 15 November 2026 |
| Sompo Japan新・海外旅行保険 off! (overseas travel insurance), 航空機遅延費用 (flight delay costs) | Japan | insurer | Depends | Open. No list of causes.Wording: "6時間以内に代わりの航空機を利用できない場合"Clause: 航空機遅延費用 cover page (hoshou_kokuchien.html) | Policy wordingread, 15 November 2026 |
| Mitsui Sumitomo InsuranceOverseas travel insurance, 航空機遅延費用等補償特約 (flight delay costs rider), per MSI FAQ No.1458… | Japan | insurer | Depends | Open on the FAQ. The test is the delay of the aircraft the insured was on and the lack of a replacement within 6 hours.Wording: "乗継地への到着時刻から6時間以内"Clause: MSI FAQ No.1458 | Policy wordingread, 15 November 2026 |
| JCB国内・海外航空機遅延保険 (card flight delay insurance) on JCB The Class, JCB Platinum, JCB Gold The… | Japan | card | Depends | Not listed. The page says some incidents may fall outside cover and that payment follows the policy wording and riders.Wording: "乗継到着便の実際の到着時刻から4時間以内"Clause: JCB premium service page, 国内・海外航空機遅延保険 | Policy wordingread, 15 November 2026 |
| Mitsubishi UFJ Card国内・海外渡航便遅延保険 (card flight delay insurance), terms for departures and purchases from 1… | Japan | card | Depends | Not listed on the page. Payment follows the policy wording and riders.Wording: "事故の日から30日以内"Clause: MUFG Card page 国内・海外渡航便遅延保険 | Policy wordingread, 15 November 2026 |
| Samsung FireOverseas travel insurance. Index riders as described on Samsung Fire's page dated 30… | South Korea | insurer | Depends | Open. The departure delay wording defines delay by reasons such as aircraft connection, maintenance, route congestion, weather and passenger handling, with no closed list.Wording: "항로 혼잡"Clause: 365연간 해외여행보험 약관: 항공기 및 수하물 지연·결항 추가비용 특별약관 제1조 to 제3조 | Policy wordingread, 15 November 2026 |
| Hyundai Marine and FireOverseas travel insurance, flight delay cover (rider wording not read) | South Korea | insurer | Depends | Policy wordingunverified, 15 November 2026 | |
| KB InsuranceKB overseas travel insurance, index flight delay rider (wording not read) | South Korea | insurer | Depends | Policy wordingunverified, 15 November 2026 | |
| DB InsuranceCard-member group cover: 해외여행중 항공기 및 수하물 지연 추가비용 특별약관 inside the 카드회원단체상해보험 terms hosted… | South Korea | card | Depends | Open. No list of causes.Wording: "4시간 내에 대체적인 수단이 제공되지 못하는 경우"Clause: 해외여행중 항공기 및 수하물 지연 추가비용 특별약관 제2조 (payable events), 제3조 (exclusions), 제4조 (claim documents) | Policy wordingunverified, 15 November 2026 |
| Ping AnPing An Property and Casualty flight delay cover: 平安个人旅行航班延误保险 as shown in Ping An's… | China | insurer | Depends | Open on the pages read, subject to exclusions: the insured knew or should have known of the likely delay or cancellation when booking or buying cover; the flight was cancelled 2 hours or more before scheduled departure; the delay was the insured's own doing.Wording: "航空公司出具的关于延误或航班取消，以及延误时间的证明材料"Clause: Ping An travel insurance 重要提醒 guide, section 二 理赔流程, item 2 理赔材料 (平安个人旅行航班延误保险) and item 3 重要除外责任 (3) | Policy wordingread, 15 November 2026 |
| PICCChina CITIC Bank credit card flight delay cover, 2026 service terms (valid 1 January to… | China | card | Depends | Delay or cancellation of the booked flight, subject to exclusions that include airport closure for any reason, acts of state organs in law enforcement or the courts, war, strike, terrorism, airline insolvency, and flights cancelled more than 4 hours before departure.Wording: "机场关闭"Clause: CITIC Bank credit card 航班延误险 2026 service terms: claim process, required materials and 责任免除 sections | Policy wordingread, 15 November 2026 |
| Meiya (AIG China)美亚附加旅行延误保险 (2401版), registration number C00003931922024093000223, an add-on to a Meiya… | China | insurer | Yes | Any external cause, with examples that include bad weather, natural disaster, mechanical failure, strike, hijack, industrial action, terrorism, air traffic control and airline overbooking.Wording: "航空管制"Clause: 第三条 保险责任 | Policy wordingread, 15 November 2026 |
| ZhongAn附加航班延误或取消团体保险条款 (互联网-银行卡专用 2024版), registration number C00017931922024031549561, a… | China | card | Depends | Open: any delay of the flight actually taken that is not the insured's own doing and not excluded. Excluded: war, military action, hijack, strike, riot or terrorism; conditions likely to cause delay or cancellation already known when the ticket was booked; law enforcement or judicial acts of state organs; airline insolvency; refunded, changed or void tickets.Wording: "非因被保险人本人的原因"Clause: 第三条 保险责任 (一) 航班延误 and (二) 航班取消 | Policy wordingread, 15 November 2026 |
Source: each provider's own policy wording, product disclosure statement or guide to benefits, read 15 November 2026. Your certificate decides; US wordings vary by state and Canadian ones by province.
Cover bought after 13 November 2026 will not pay for this ground stop
Travelex set 13 November 2026 as the foreseeable date
Travelex lists "Nationwide FAA ground stop at U.S. airports" on its travel alerts page for its Zurich-underwritten plans. Plans bought on or after 13 November 2026 do not cover this event.11
TuGo excludes cover bought from 4:00pm on 13 November 2026
TuGo's advisory, dated 13 November 2026, says trip cancellation and interruption cover may apply where the grounding cancelled or delayed a flight. Insurance bought or trips booked on or after 4:00pm that day fall under its known-circumstance exclusion. The page prints the time zone as "PCT", which could mean Pacific time.12
No other insurer we read has published a date for this event. Every wording we read excludes events that were known or foreseeable when you bought the policy or booked the trip, so treat cover bought after the FAA order at 3:54pm ET on 13 November 2026 as unlikely to respond to it.13
Stranded mid-trip with a policy bought before the stop
- Take the airline's rebooking or refund, and ask the airline for a written statement of the delay or cancellation and its cause. Most insurers refuse a delay claim without one.
- Keep every receipt for meals, the hotel and transport, with times on them.
- Check your waiting period. The stop lasted 4 hours 21 minutes; a flight rebooked to the next day clears most waiting periods.
- Notify your insurer inside its window. Some give 7 days or less.
- Claim under the benefit that matches what happened: delay, interruption, missed connection or cancellation.
The claim page writes the airline and insurer letters for you. Our claim guide has the document checklist and every deadline.
Questions people ask about cancelled flights and insurance
Will my travel insurance cover a flight cancellation?
Usually, when the cause is a listed reason such as weather or a carrier breakdown, and you claim the airline's refund first. An air traffic control or government system failure depends on your wording. Check the table above for your insurer.
Does it matter who cancelled the flight?
Yes. If the airline cancelled, you claim the refund from the airline and use insurance for extra costs and unrecoverable prepaid bookings. If you cancel because of the disruption, standard cancellation cover needs a listed reason, and only Cancel For Any Reason cover pays for a change of mind.
Does insurance pay if the airline refunded me?
Insurance pays losses the airline did not cover. The refund is deducted from a cancellation claim. Delay benefits for meals and a hotel can still apply, because the refund does not cover those.
Is an FAA outage or ground stop covered?
It depends on the wording. Of the 126 positions on our cover table, 28 pay, 65 depend and 33 do not. Open "carrier delay" wordings tend to respond once the waiting period passes. Cards that list only equipment failure, weather, strikes and hijacking often do not.
Can I buy travel insurance after the disruption has started?
You can buy a policy, but it will not cover an event that was already known. Travelex and TuGo set 13 November 2026 as the cut-off for this ground stop.
What is not covered by travel insurance?
Common gaps are events known before you bought the policy, causes left off a closed list, losses the airline already paid, costs without receipts and, under some wordings, delays caused by government orders or cyber events.
What happens if my flight is cancelled and I have travel insurance?
Ask the airline for a refund or rebooking and for a written statement of the cancellation and its cause. Keep receipts. Then claim the rest from your insurer inside its notice window, which ranges from 24 hours to one year in the wordings we read.
Related pages on this site
Every figure on this page links to its source
13 sources
Read on the provider's or regulator's own page unless tagged summary (reported elsewhere) or unverified. The live site's full source list is on the methodology page.
- CNBC, ground stop lifted read checked 15 November 2026
- FlightAware via Upgraded Points read checked 15 November 2026
- US refund rule, 14 CFR Part 260 read checked 15 November 2026
- Generali Global Assistance, plan details read checked 15 November 2026
- American Airlines customer service plan read checked 15 November 2026
- American Express guide to benefits, Platinum-tier trip delay read checked 15 November 2026
- American Airlines conditions of carriage read checked 15 November 2026
- Cover-More Australia PDS, Section 4 exclusion 1 read checked 15 November 2026
- Live site insurance table read checked 15 November 2026
- Squaremouth, Cancel For Any Reason read checked 15 November 2026
- Travelex, flight disruptions alert read checked 15 November 2026
- TuGo, travel advisories read checked 15 November 2026
- Upgraded Points, policy bought after 13 November summary checked 15 November 2026